TPD Claims & Disability Insurance Claims
Total permanent disability claims (TPD) is anything, which will medically permanently stop a person from working. We like to explain it as a ‘medical retirement’. Whatever the issue is, it is likely you will no longer be able to work again. How each person is affected by a medical condition is different. An illness may progress differently in different people and the definition of TPD may also be different.
Greg has been helping my family for a couple of years now and he is completely professional, attentive and most knowledgeable about all aspects of our insurance cover. When I had my illness he was able to help immediately – especially with assisting me complete all those forms. He regularly touches base with us to make sure I am all well and to offer any further assistance. We would highly recommend Greg.
Andrew, Building Inspector
Home > Services
TPD claims assistance
We are here to help for disability insurance claims or TPD insurance!
Total Permanent Disability (TPD) is an injury or illness, which will medically permanently stop a person from working. We like to explain it as a ‘medical retirement’. Whatever the issue is, it is likely you will no longer be able to work again. How each person is affected by a medical condition is different. An illness may progress differently in different people and the definition of TPD may also be different depending on your insurance company or your superannuation fund and if your insurance policy provides total permanent disability claims.
As an example is someone with Parkinson’s Disease. Parkinson’s is a degenerative disease and as it progresses, its effect will be more evident and the effect more significant on how it impacts your life. Early-stage Parkinson’s will allow some people to continue to work, however as the disease worsens, it is likely the ability to work will reduce to the point where working is no longer feasible and you will have to cease working.
A person who has a severe stroke may recover to the point where the results of the stroke are minimal with no long term effects so the person can resume their life with no impact and continue to work. However, depending on the severity, the effects of a stroke can be significant.
A combination of conditions
A person may have one condition which may not stop them from working (i.e. they can continue to work with that diagnosis.) However, some conditions may lead to secondary issues, and the combination of conditions could lead to that person not working. How a disease, illness or injury affects a person is often unique.
OWN vs ANY Occupation
The type of TPD definition is also important. Most policies (especially in superannuation) have a TPD cover definition of ‘ANY’ which means that a person cannot do ANY job. Some policies have a TPD definition of ‘OWN’ which means that a person cannot do the occupation for which they sought to cover themselves. An example may be a dentist or a pilot with Parkinson’s Disease. Parkinson’s may not allow that person to do their own occupation, but they could still do other work. The threshold for OWN occupation is therefore much lower than it is for ANY occupation.
Some TPD policies, particularly inside a superannuation fund could have multiple definitions depending on the severity of the illness or injury, and the full TPD benefit may not be available.
Claims Assistance can assist with any TPD insurance claim. We do it better than anyone and we make it simple and quick.
25 Years Experience
98% Successs Rate
TPD Claim Case Studies
I’ve helped many clients over the years who were unlucky enough to experience critical illnesses or traumatic accidents resulting in debilitating injuries. Their circumstances were dire, but this was ultimately compounded by doubt over receiving the compensation they thought they were owed by their insurance cover and the stress of having to deal with tpd lawyers gathering the required medical evidence or the thought of being helpless and unable to work.
At Claims Assistance, we’re experts are sifting through the policy detail to provide answers on what level of cover you have and in many happy instances, to help expedite the payment of claims. Read some of the case studies below to learn more about our past disability claims have turned out.
TPD Claim case study 1 Scott from Sydney
TPD Insurance Claim – Depression forces Scott to abandon work
Our real-life case studies allow you to understand the real story and their journey during that moment. For example: Scott, a commercial baker who had been working for a large food manufacturer since the early 1990s developed anxiety and depression. He endured this for a while, however, as time and his illness progressed, he sought treatment. The medication he was required to take brought on side effects, which made his ability to do his regular job impossible.
In a tough spot. When an illness turns into disability.
This left Scott in a difficult situation – on one hand, his mental illness left him with symptoms which made life and work incredibly difficult each day, and on the other hand, whilst the medication he was taking helped alleviate his symptoms, it left him unable to perform his regular occupation.
Filing a Total and Permanent Disability Insurance Claim
Scott contacted Claims Assistance around late April 2018 and after a brief review of his situation, we were confident we could help. From our discussions with Scott and further investigation into his circumstances (and the contents of his insurance policy), we concluded that Scott would be able to claim against the Total and Permanent Disability (TPD) insurance on his superannuation policy and also gain early access to his superannuation benefits.
Helping Scott claim on his TPD Insurance
After 6 months of protracted talks with his insurer, Scott asked Claims Assistance to intervene on this behalf to help him claim. Claims Assistanceassembledall the required forms and worked with Scott to have these completed. We then made sure all supporting information and reports were made available and presented to his insurer. We also ensured all subsequent supplementary information required by the insurer was obtained in a timely manner to satisfy his insurance company.
Claims Assistance works across Australia to file TPD claims
We did all of this whilst Scott and his medical support team were on one side of the country and we were on the other. The tyranny of distance was no barrier to completing his claim in a timely manner.
We followed up with the insurance company and chased down any outstanding requirements that were needed. Claims Assistance made sure the insurance company treated Scott’s TPD claim with the utmost urgency.
A fast TPD insurance claim without involving lawyers!
We ensured a decision on Scott’s claim was achieved in the shortest timeframe. Had Scott engaged legal representation, the process would have taken much longer and much more costly, leaving Scott… with less!
Scott now has access to his TPD insurance benefits and his super
Scott is now able to concentrate on his health and wellbeing.
He is now financially secure, as he has access to his trauma cover and superannuation benefits. Scott now generates an income similar to what he was receiving whilst employed, without the stress.
We can proudly say we have changed Scott’s life for the better. It’s been a privilege to help him claim his insurance cover benefits and help him get back on track.
Multiple conditions lead to a TPD claim
Tim was an employee in his early 60s at a logistics company in Sydney, managing customers and transactions. He had been in ill health for several years and had recently suffered with cancer and had the need to use a colostomy bag. He had arthritis and his lack of mobility caused him to be overweight. He suffered neuropathy which affected his ability to sit and stand for sustained periods. These conditions left him in poor health and made it increasingly difficult to keep working.
Claiming on TPD insurance cover
Tim contacted Claims Assistance to assist with claiming on his insurance policy. He had TPD insurance, which he had arranged through his superannuation fund. Given his age, the size of the insurance was costing him a large amount. He was initially enquiring about early retirement and wanted to access his superannuation. We explained he would likely access his TPD insurance. Tim’s goal was to suffer through his multiple excruciating issues until he could retire. With the support of his doctors, he should consider accessing his TPD insurance, so he could stop work and focus on his health.
We explained he would likely access his TPD insurance. Tim’s goal was to suffer through his multiple excruciating issues until he could retire. With the support of his doctors, he should consider accessing his TPD insurance, so he could stop work and focus on his health.
Completing TPD forms and supporting medical reports
After several weeks of planning, we determined a strategy to allow Tim to cease work. Working with Tim, we arranged to have claim forms completed and medical reports prepared. We submitted the forms on behalf of Tim to his insurer.
A prompt resolution to Tim’s TPD insurance claim
Tim received his TPD benefit within weeks of his planned date to cease work. He was on a budget and finances were tight, so obtaining the funds in a timely manner made a tremendous difference. Tim’s financial stress was alleviated, and he was able to focus on his health. It is likely that Tim’s life would have been shortened had he continued to push himself to work when he was clearly unable. The ability to focus on his health has greatly improved Tim’s lifestyle.
Tim’s financial stress was alleviated, and he was able to focus on his health. It is likely that Tim’s life would have been shortened had he continued to push himself to work, when he was clearly unable. The ability to focus on his health has greatly improved Tim’s lifestyle.
Dealing with a problematic TPD claim – contact us
It was our privilege to assist Tim with this Total Permanent Disability claim process. If you’re struggling with your TPD claim and not sure what to do, don’t hesitate to reach out to Claims Assistance for an obligation-free consultation. If we can help, we will!
A Stroke leads to a TPD Insurance Claim
Mike was a Sydney based airline ground staff responsible for an emergency response to plane delays and passenger control. It was a busy job, which he had been performing for 25+ years and required he be able to handle an emergency quickly.
A stroke with consequences
In his early 50s and on holidays with his sons, Mike had a significant stroke, which resulted in him being hospitalized for 6 weeks, followed by another 3 months of in-facility care. The stroke left Mike with paralysis on one side of his body, fatigue, short term memory loss and affected speech. Whilst he recovered to some degree with intense therapy, the stroke left Mike with significant long-term issues.
TPD cover in his super
Mike had TPD insurance inside his superannuation policy from his employer. Mike’s family contacted us to provide assistance, as they were focused on Mike’s long-term recovery and care which was their priority.
Helping Mike make a TPD claim
When we gauged the severity of Mike’s stroke, we determined that it was likely Mike would not be returning to work. We obtained claim forms for Mike and helped him and family with the completion of the forms. We liaised with the hospitals to obtain all of the records to provide to the insurers. We also ensured rehabilitation reports and reports from occupation therapists were provided to allow the insurance company to have the most comprehensive view of Mike’s condition and his unlikely prospect to recover.
A quick TPD claim resolution with Claims Assistance
With our help, Mike’s TPD insurance was paid in a quick time frame. Mike was able to purchase a property which was suitable for his needs, which he is very happy about and has an income stream to support him and his family.
If you’re feeling overwhelmed and struggling to make sense of your insurance cover, don’t hesitate to contact Claims Assistance on (02) 9388 9199 for an obligation-free consultation.
TPD Claim – Emphysema
Simon had an automotive workshop in Western Sydney. The business was busy and took a lot of Simon’s time. Unfortunately, Simon had developed emphysema which affected his ability to breath. He was always fatigued and struggled from day to day. He could barely walk or sleep and the cooler climate was detrimental to his health.
Filing a Total and Permanent Disability (TPD) Claim
When it became too much, Simon contacted Claims Assistance to provide help with his Total and Permanent Disability claim. Simon had a very old insurance policy with a large insurance company. We met with Simon to gain a better understanding of his condition and to help him with his forms and the medical reports required by the insurer to support his claim. Simon’s claim was difficult to assess as Simon had other conditions which were confusing the matter.
A complex TPD claim
When the insurer requested additional information, we made sure the correct paperwork was filled out and provided to the claims assessors in a timely manner. Simon had three medical specialists involved in his care, which meant obtaining the information needed by the insurer was sometimes difficult. When you’re meant to be focusing on your health, having someone that specialises in complex claims by your side can be a welcome relief. Claims followed up with the insurers to make sure they had all the information they required.
Simon’s TPD claim gets paid
Simon’s TPD claim was paid in a timely manner. He was able to move to a warmer climate, which helped his health and improved his quality of life.
Thanks to Claims Assistance, Simon was able to navigate the requests for information promptly. Claims Assistance followed up on his behalf and made sure the insurer had everything they needed to complete their TPD claims assessment and provide Simon and his family the relief afforded to him by his insurance cover.
Page not found